{"id":"W3162441459","doi":"10.3390/jrfm14050227","title":"Data-Driven Services in Insurance: Potential Evolution and Impact in the Swiss Market","year":2021,"lang":"en","type":"article","venue":"Journal of risk and financial management","topic":"Consumer Retail Behavior Studies","field":"Business, Management and Accounting","cited_by":17,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Insurance industry; Purchasing; Business; Marketing; Relevance (law); Actuarial science; Industrial organization","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0007741038,0.0001159833,0.0002181706,0.0002613044,0.0001045372,0.0001879945,0.0002341152,0.00003169017,0.00001382339],"category_scores_gemma":[0.00004326909,0.00008299642,0.00004159146,0.0004239158,0.00003398792,0.0007341806,0.0004339064,0.000198441,0.000001709826],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00002746267,"about_ca_system_score_gemma":0.0000141415,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0005543566,"about_ca_topic_score_gemma":0.004008822,"domain_scores_codex":[0.9990758,0.00003822093,0.000328138,0.0001666068,0.0002299539,0.000161296],"domain_scores_gemma":[0.9994747,0.00002412846,0.0002476051,0.0001745607,0.00007124831,0.000007779585],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00008146268,0.00007328407,0.8536516,0.000105605,0.00001372148,0.0003492584,0.0001036322,0.00002078242,0.000003786073,0.0003167468,0.0002425539,0.1450375],"study_design_scores_gemma":[0.000918369,0.000009744259,0.9870926,0.0001168103,0.0001193111,0.00001867415,0.00111878,0.000629463,8.557607e-8,0.0009216963,0.008964511,0.0000899272],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9951639,0.003490581,0.0002830579,0.0003163577,0.0002069697,0.000127007,0.000015258,0.000003631278,0.0003932525],"genre_scores_gemma":[0.9971373,0.002513672,0.00010034,0.00007084799,0.0001527893,0.000002756081,0.000005366139,0.000005638189,0.00001129334],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.1449476,"threshold_uncertainty_score":0.3384496,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01172364452709252,"score_gpt":0.2417372221364093,"score_spread":0.2300135776093168,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}